Understanding Medicaid eligibility is important for individuals and families who need access to healthcare services. Each state sets its own income limits based on the Federal Poverty Level (FPL), meaning it is important to stay up to date on income limits.
For those seeking professional guidance, Jarvis Law Office helps families plan ahead to protect their assets and avoid probate. Unlike ongoing-cost solutions, we offer a one-time, cost-effective approach that integrates with your existing financial plans.
Key Takeaways
- Each state sets its own income limits based on the Federal Poverty Level (FPL), so eligibility depends on where you live, your household size, and the type of Medicaid.
- For most states, the Medicaid income limit is $2,901 per month for a single applicant and $5,802 per month for married applicants, typically set at 300% of the Federal Benefit Rate (FBR).
- Some states offer Medically Needy programs, allowing individuals with high medical expenses to qualify even if their income is slightly above the standard threshold.
What is Medicaid?
Medicaid is a government-funded program that helps low-income individuals and families access healthcare. Every state sets its own income limits based on the Federal Poverty Level (FPL), meaning eligibility can vary depending on where you live and how many people are in your household.
How Medicaid Eligibility Works
Your income is the main factor in determining Medicaid eligibility. States use a percentage of the Federal Poverty Level to set the cutoff. For example, if your state’s Medicaid limit is 138% of the FPL, that means you qualify if your annual income is at or below 138% of the poverty threshold for your household size.
Other factors can also impact eligibility:
- Household size – Larger households generally have higher income limits.
- State Medicaid expansion – Some states expanded Medicaid under the Affordable Care Act (ACA), allowing more adults to qualify.
- Special groups – Pregnant women, children, elderly individuals, and people with disabilities may qualify under different income limits.
Do You Qualify for Medicaid?
To check your eligibility, compare your household income to your state’s Medicaid limit. Many states provide online tools where you can enter your income and family size to see if you qualify.
If your income is slightly above the limit, don’t assume you’re ineligible. Some states offer Medically Needy programs, which consider medical expenses when determining eligibility.
State-by-State Medicaid Income Eligibility for 2025
Medicaid income eligibility varies across states. The following breakdown provides 2025 income limits for single applicants and married couples in each state, sourced from MedicaidPlanningAssistance.org.
2025 Medicaid Eligibility Income Chart – Updated March 2025 | ||||
State | Type of Medicaid | Single | Married (both spouses applying) | Married (one spouse applying) |
Alabama | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Alabama | Regular Medicaid / Medicaid for Elderly and Disabled | $987 / month | $1,470 / month | $1,470 / month |
Alaska | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Alaska | Regular Medicaid / Aged Blind and Disabled | $1,795 / month | $2,658 / month | $2,658 / month |
Arizona | Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Arizona | Regular Medicaid / Aged Blind and Disabled | $1,304.17 / month (eff. 2/25 – 1/26) | $1,762.50 / month (eff. 2/25 – 1/26) | $1,762.50 / month (eff. 2/25 – 1/26) |
Arkansas | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Arkansas | Regular Medicaid / Aged Blind and Disabled | $1,004 / month (eff. 4/24 – 3/25) | $1,362.67 / month (eff. 4/24 – 3/25) | $1,362.67 / month (eff. 4/24 – 3/25) |
California | Institutional / Nursing Home Medicaid | No income limit, but resident is only permitted to keep $35 / month. | No income limit, but resident is only permitted to keep $35 / month. | No income limit, but resident is only permitted to keep $35 / month. |
California | Medicaid Waivers / Home and Community Based Services | $1,732 / month (eff. 4/24 – 3/25) | $2,352 / month (eff. 4/24 – 3/25) | $2,332 / month (eff. 4/24 – 3/25) |
Colorado | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Colorado | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Connecticut | Institutional / Nursing Home Medicaid | Income must be less than the cost of nursing home | Income must be less than the cost of nursing home | Income must be less than the cost of nursing home |
Connecticut | Medicaid Waivers / Home and Community Based Services | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Connecticut | Regular Medicaid / Aged Blind and Disabled | $1,314 / month (eff. 10/1/24) | $2,112 / month (eff. 10/1/24) | $1,601 / month (eff. 10/1/24) |
Delaware | Home and Community Based Services / Long Term Care Community Services / Institutional / Nursing Home Medicaid | $2,417.50 / month | $4,835 / month ($2,417.50 / month per spouse) | $2,417.50 / month for the applicant |
Delaware | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Florida | Institutional / Nursing Home Medicaid / Home and Community Based Services | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Florida | Regular Medicaid / Medicaid for Aged and Disabled | $1,105 / month (eff. 4/24 – 3/25) | $1,499 / month (eff. 4/24 – 3/25) | $1,499 / month (eff. 4/24 – 3/25) |
Georgia | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Georgia | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Hawaii | Institutional / Nursing Home Medicaid | No hard income limit. One’s entire income except for $50 / month must go towards cost of care. | No hard income limit. Each spouse’s entire income except for $50 / month must go towards cost of care. | No hard income limit. Applicant’s entire income except for $50 / month must go towards cost of care. |
Hawaii | Home and Community Based Services | If one lives at home $1,499.17 / month (eff. 2/25) | Each spouse is considered separately. If they are living at home, each spouse can have up to $1,499.17 / month. (eff. 2/25) | If one lives at home, applicant income limit of $1,499.17 / month (eff. 2/25) |
Hawaii | Regular Medicaid / Aged Blind and Disabled | $1,499.17 / month (eff. 2/25) | $2,026.67 / month (eff. 2/25) | $2,026.67 / month (eff. 2/25) |
Idaho | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,921 / month | $5,822 / month | $2,921 / month for applicant |
Idaho | Regular Medicaid / Aged Blind and Disabled | $1,020 / month | $1,470 / month | $1,470 / month |
Illinois | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $1,255 / month (eff. 4/24 – 3/25) | $1,703 / month (eff. 4/24 – 3/25) | $1,255 / month for applicant (eff. 4/24 – 3/25) |
Illinois | Regular Medicaid / Aid to Aged Blind and Disabled | $1,255 / month (eff. 4/24 – 3/25) | $1,703 / month (eff. 4/24 – 3/25) | $1,703 / month (eff. 4/24 – 3/25) |
Indiana | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Indiana | Traditional Medicaid / Aged Blind and Disabled | $1,305 / month (eff. 3/25 – 2/26) | $1,763 / month (eff. 3/25 – 2/26) | $1,763 / month (eff. 3/25 – 2/26) |
Iowa | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Iowa | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Kansas | Institutional / Nursing Home Medicaid | No set income limit. Income over $62 / month must go towards one’s cost of care. | No set income limit. Income over $62 / month (per spouse) must go towards one’s cost of care. | No set income limit. Applicant’s income over $62 / month must go towards one’s cost of care. |
Kansas | Medicaid Waivers / Home and Community Based Services | No set income limit. Income over $2,901 / month must be paid towards one’s cost of care. | No set income limit. Income over $2,901 / month (per spouse) must be paid towards one’s cost of care. | No set income limit. Applicant’s income over $2,901 / month must be paid towards one’s cost of care. |
Kansas | Regular Medicaid / Aged Blind and Disabled | $475 / month | $475 / month | $475 / month |
Kentucky | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Kentucky | Regular Medicaid / Aged Blind and Disabled | $235 / month | $291 / month | $291 / month |
Louisiana | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Louisiana | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Maine | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Maine | Regular Medicaid / Aged Blind and Disabled | $1,305 / month | $1,763 / month | $1,763 / month |
Maryland | Institutional / Nursing Home Medicaid | Cannot exceed the cost of nursing home care | Cannot exceed the cost of nursing home care | Applicant’s income cannot exceed the cost of nursing home care |
Maryland | Medicaid Waivers / Home and Community Based Services | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Maryland | Regular Medicaid / Aged Blind and Disabled | $350 / month | $392 / month | $392 / month |
Massachusetts | Institutional / Nursing Home Medicaid | No hard limit. Income over $72.80 / month must go towards care costs. | No hard limit. Income over $72.80 / month (per spouse) must go towards care costs. | No hard limit. Income over $72.80 / month must go towards care costs. |
Massachusetts | Medicaid Waivers / Home and Community Based Services | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Massachusetts | Regular Medicaid / Aged Blind and Disabled | $1,305 / month (eff. 3/25 – 2/26) | $1,763 / month (eff. 33/25 – 2/26) | $1,763 / month (eff. 33/25 – 2/26) |
Michigan | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Michigan | Regular Medicaid / Aged Blind and Disabled | $1,255 / month (eff. 4/24 – 3/25) | $1,703 / month (eff. 4/24 – 3/25) | $1,703 / month (eff. 4/24 – 3/25) |
Minnesota | Institutional / Nursing Home Medicaid | $1,255 / month (eff. 7/24-6/25) | $1,704 / month (eff. 7/24-6/25) | $1,255 / month for applicant |
Minnesota | Medicaid Waivers / Home and Community Based Services | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Minnesota | Regular Medicaid / Elderly Blind and Disabled | $1,255 / month (eff. 7/24 –6/25) | $1,704 / month (eff. 7/24 –6/25) | $1,704 / month (eff. 7/24 –6/25) |
Mississippi | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Mississippi | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Missouri | Institutional / Nursing Home Medicaid | All available income except for $50 / month must be paid towards care | All available income except for $50 / month (per spouse) must be paid towards care | All applicant’s available income except for $50 / month must be paid towards care |
Missouri | Medicaid Waivers / Home and Community Based Services | Structured Family Caregiving Waiver ($1,067 / month – eff. 4/24 – 3/25)Aged & Disabled Waiver ($1,690 / month – eff. 1/25) | Structured Family Caregiving Waiver ($1,067 / month per spouse – eff. 4/24 – 3/25)Aged & Disabled Waiver ($1,690 / month per spouse – eff. 1/25) | Structured Family Caregiving Waiver ($1,067 / month for applicant – eff. 4/24 – 3/25)Aged & Disabled Waiver ($1,690 / month for applicant – eff. 1/25) |
Missouri | Regular Medicaid / Aged Blind and Disabled | $1,067 / month for Aged & Disabled (eff 4/24 – 3/25). $1,255 / month for Blind (eff 4/24 – 3/25). | $1,448 / month for Aged & Disabled (eff 4/24 – 3/25). $1,704 / month for Blind (eff 4/24 – 3/25). | $1,448 / month for Aged & Disabled (eff 4/24 – 3/25). $1,704 / month for Blind (eff 4/24 – 3/25). |
Montana | Institutional / Nursing Home Medicaid | Income must be equal or less than the cost of nursing home care | Income must be equal or less than the cost of nursing home care | Applicant’s income must be equal or less than the cost of nursing home care |
Montana | Medicaid Waivers / Home and Community BasedServices | $967 / month | $1,934 / month ($967 / month per spouse) | $967 / month for applicant |
Montana | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Nebraska | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $1,304.17 / month | $1,304.17 / month per spouse | $1,304.17 / month for applicant |
Nebraska | Regular Medicaid / Aged Blind and Disabled | $1,304.17 / month | $1,762.50 / month | $1,762.50 / month |
Nevada | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Nevada | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
New Hampshire | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
New Hampshire | Regular Medicaid / Old Age Assistance | $981 / month (eff. 1/25 – 12/25) | $1,451 / month (eff. 1/25 – 12/25) | $1,451 / month (eff. 1/25 – 12/25) |
New Jersey | Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
New Jersey | Regular Medicaid / Aged Blind and Disabled | $1,304.17 / month | $1,762.50 / month | $1,762.50 / month |
New Mexico | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
New Mexico | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
New York | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $1,800 / month | $2,433 / month | $1,800 / month for applicant |
New York | Regular Medicaid / Aged Blind and Disabled | $1,800 / month | $2,433 / month | $2,433 / month |
North Carolina | Institutional / Nursing Home Medicaid | Must be less than the amount Medicaid pays for nursing home care (est. $8,004 – $11,093 / mo.) | Must be less than the amount Medicaid pays for nursing home care (est. $8,004 – $11,093 / mo.) | Applicant’s income must be less than the amount Medicaid pays for nursing home care (est. $8,004 – $11,093 / mo.) |
North Carolina | Regular Medicaid / Aged Blind and Disabled / Medicaid Waivers / Home and Community Based Services | $1,255 / month (eff. 4/24 – 3/25) | $1,704 / month (eff. 4/24 – 3/25) | $1,704 / month (eff. 4/24 – 3/25) |
North Dakota | Institutional / Nursing Home Medicaid | No set limit. Applicant is allowed $100 for personal needs and the remaining income goes towards the cost of care. | No set limit. Couple is allowed $200 for personal needs. The remaining income goes towards the cost of care. | No set limit. Applicant is allowed $100 for personal needs and the remaining income goes towards the cost of care |
North Dakota | Medicaid Waivers / Home and Community Based Services | $1,130 / month (eff. 4/24 – 3/25) | $1,533 / month (eff. 4/24 – 3/25) | $1,130 / month for applicant (eff. 4/24 – 3/25) |
North Dakota | Regular Medicaid / Aged Blind and Disabled | $1,130 / month (eff. 4/24 – 3/25) | $1,533 / month (eff. 4/24 – 3/25) | $1,533 / month (eff. 4/24 – 3/25) |
Ohio | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Ohio | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Oklahoma | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Oklahoma | Regular Medicaid / Aged Blind and Disabled | $1,255 / month (eff. 4/24 – 3/25) | $1,704 / month (eff. 4/24 – 3/25) | $1,704 / month (eff. 4/24 – 3/25) |
Oregon | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Oregon | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Pennsylvania | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Pennsylvania | Regular Medicaid / Aged Blind and Disabled | $988.10 / month | $1,483.30 / month | $1,483.30 / month |
Rhode Island | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Rhode Island | Regular Medicaid / Elders and Adults with Disabilities (EAD) | $1,304.17 / month | $1,762.50 / month | $1,762.50 / month |
South Carolina | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
South Carolina | Regular Medicaid / Aged Blind or Disabled | $1,305 / month (eff 3/25 – 2/26) | $1,763 / month (eff 3/25 – 2/26) | $1,763 / month (eff 3/25 – 2/26) |
South Dakota | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
South Dakota | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Tennessee | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Tennessee | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Texas | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Texas | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Utah | Institutional / Nursing Home Medicaid | No income limit. One’s monthly income determines how much one must pay towards the cost of care. | No income limit. Each spouse’s monthly income determines how much each spouse must pay towards the cost of care. | No income limit. Applicant’s monthly income determines how much one must pay towards the cost of care. |
Utah | Medicaid Waivers / Home and Community Based Services | Aging Waiver ($1,305 / month – eff. 3/25 – 2/26)New Choices Waiver ($2,901 / month – eff. 1/25 – 12/25) | Aging Waiver (Each spouse is allowed up to $1,305 / month – eff. 3/25 – 2/26)New Choices Waiver (Each spouse is allowed up to $2,901 / month – eff. 1/25 – 12/25) | Aging Waiver ($1,305 / month for applicant – eff. 3/25 – 2/26)New Choices Waiver ($2,901 / month for applicant month – eff. 1/25 – 12/25) |
Utah | Regular Medicaid / Aged Blind and Disabled | $1,305 / month (eff. 3/25 – 2/26) | $1,763 / month (eff. 3/25 – 2/26) | $1,763 / month (eff. 3/25 – 2/26) |
Vermont | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Vermont | Regular Medicaid / Aged Blind and Disabled (outside Chittenden County) | $1,333 / month | $1,333 / month | $1,333 / month |
Vermont | Regular Medicaid / Aged Blind and Disabled (inside Chittenden County) | $1,441 / month | $1,441 / month | $1,441 / month |
Virginia | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Virginia | Regular Medicaid / Aged Blind and Disabled | $1,043 / month | $1,410 / month | $1,410 / month |
Washington | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Washington | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Washington, DC | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Washington, DC | Regular Medicaid / Aged Blind and Disabled | $1,304 / month | $1,763 / month | $1,763 / month |
West Virginia | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,829 / month per spouse) | $2,901 / month for applicant |
West Virginia | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
Wisconsin | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Wisconsin | Regular Medicaid / Elderly Blind and Disabled (EBD) | $1,050.78 / month | $1,582.05 / month | $1,582.05 / month |
Wyoming | Medicaid Waivers / Home and Community Based Services / Institutional / Nursing Home Medicaid | $2,901 / month | $5,802 / month ($2,901 / month per spouse) | $2,901 / month for applicant |
Wyoming | Regular Medicaid / Aged Blind and Disabled | $967 / month | $1,450 / month | $1,450 / month |
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